Detected in the CFPB-filed cardholder agreements from Credit One Bank, National Association. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…h the Military Lending Act, including its restrictions on permissible loan terms and limitations on interest and fees. As a Covered Borrower: (a) the arbitration provision shall not apply to you, (b) the Duplicate Statement Fee, the Sales Slip Request Fee, and the Replacement Card Fee shall not apply to you, and (c) any…”
You can't band together with other cardholders in a class action.
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“…BITRATION. The arbitrator shall have no authority to entertain any Claim as a class action or private attorney general action or on any other similar representative basis, nor shall the arbitrator have any authority to consolidate or join Claims brought by separate claimants (except for claimants on the same account).…”
You waive your right to have a dispute heard by a jury.
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“…t the Agreement, you are not responsible for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See How to REJECT this agreement to arbitrate in the Arbitration section. If you do not, it will be par…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…responsible for any fees or charges. Arbitration: This Agreement includes an Arbitration Provision with class action and jury trial waivers. You can reject the Arbitration Provision. See How to REJECT this agreement to arbitrate in the Arbitration section. If you do not, it will be part of this Agreement. Promise to…”
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.74%
Median29.99%
Highest offered30.49%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.74%
Median30.74%
Highest offered32.49%
Every fee on this card
Annual fee$39
Balance transfer feeCharged (amount not reported)
Cash advance feeCharged (amount not reported)
Foreign transaction feeCharged (amount not reported)
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$39
Over-limit feeNone
Minimum finance charge$1
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$29
Credit Limit IncreaseIf a fee is imposed for processing a Credit Limit increase request, we will tell you the amount of the fee at the time of your request and before you agree to it.
Sales Slip Request Fee$6
Duplicate Statement$10
Replacement Card$25
Rewards, benefits and features
Rewards
Cashback rewards
Services
Access to Free Credit Scores
Credit card registration
Debt cancellation coverage
Discounts on purchases of goods and services (non travel related)
Features
Contactless Payments
Chip card
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-800-752-5493
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 29.99%$899.70
Annual / periodic fees$39
Total yearly cost$938.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 24-day grace period avoids the interest entirely.
Cardholder agreements
1 document filed by Credit One Bank, National Association in the 2026 Q1 archive.